Help.. Reappearing Jefferson Capital collection account. so confused

[Anonymous]

Hello all,

I have a question. I have had a old Jefferson Capital collection account since 2008 for $845.00 showing up on my credit report. I have a subscription with Equifax and they always send me alerts when there are any changes to my CC. They sent me a alert that this SAME account was being placed for collection. When I looked at it, it said the date it was opened was 06/2011 and the date it is being reported is 11/2011. THIS ACCOUNT IS OLD. I did dispute this item around that time online and THEY verified that it was mine. (it is. but they don't know that) I don't know what to do now. How did this start over?  What should be my next step. Please help.!! I just want to rebuild and start over.

[llecs]

Pull EQ to confirm that it isn't reporting two times.

Date Opened refers to when the CA took over the account. Ignore that date. It has zero to do with your CRTP. Date reported is when they last updated the TL on your CR.

[Anonymous]

No. It isn't on there twice.

This is what it looks like now.

JEFFERSON CAPITAL LLC

16 McLeland Rd
Saint Cloud, MN-563032198
(800) 281-2793

Account Number:		Status:	COLLECTION ACCOUNT
Account Owner:	Individual Account.	High Credit:	$845
Type of Account :	Open	Credit Limit:
Term Duration:		Terms Frequency:
Date Opened:	06/2011	Balance:	$845
Date Reported:	11/2011	Amount Past Due:	$845
Date of Last Payment:		Actual Payment Amount:
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	11/2011	Months Reviewed:	N/A
Creditor Classification:	Financial	Activity Designator:	N/A
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Factoring Company Account (debt buyer)
Date of First Delinquency:	01/2008
Comments:

[llecs]

It looks OK so as long as the DOFD was in 2008 and the balance is correct (factoring in interest too).

ETA...send a DV. If they verify and you agree, then send a PFD.

[Anonymous]

You are really a big help. Why did the DOFD change? Is this affecting my CC score anymore?

[llecs]

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@Anonymous wrote:

You are really a big help. Why did the DOFD change? Is this affecting my CC score anymore?

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Are you sure the DOFD changed? It says 1/2008 now. Was it before that?....and no, DOFD cannot change unless it was reporting incorrectly prior to the change.

[Anonymous]

Your right. It hasn't. I am new to this so Im just getting started. Do you have any good DV letters? Should I send it certified?

[Anonymous]

I actually have two from this company. Should I DV both of them?

[llecs]

Click the link below. A DV, IMO, should be very simple to start:

Example letters - PFDs, GWs, DVs, etc.

Send a DV for each CMRRR. Of course keep SOL in mind for both before sending anything.

[Anonymous]

thanks so much.